Refinance Mortgage Loans

If you have been turned down for a mortgage refinance, especially a cash out or debt consolidation refinance, because your lender says your credit score is under 500, there are a variety of new options and strategies available which can help you get the cash you need now to pay off your credit card debts, collection accounts, and other derogatory or poor credit accounts and improve your FICO credit score to the point where you can qualify for a low interest, fixed rate loan.

First, you may be wondering why the number 500 is such a big deal. A FICO credit score is a number from 300 to 850 which is meant to represent your reliability as a borrower, and takes into account how much credit has been extended to you, how much money you owe and whether or not you pay it on time. Banks like to tell us that 99% of people in the US have credit scores of 500 or higher, and use this as an excuse not to even bother lending to people with credit scores under the magic 500 FICO score. As far as they’re concerned, since only 1% of the population has a FICO below 500, they simply don’t have the time to design programs to help these people buy or refinance homes.  Learn more about USDA mortgage loan programs by visiting Loan Trust.

We’ve worked with dozens of people who have come to us with FICO scores below 500 over the years, and every one of them says the same thing. ìI just need help right now, and everyone I talk to keeps saying NOî. This is because until very recently, it was extremely difficult to get a loan if your credit score was 499 or less, and even today, only a few mortgage lenders, whether they’re banks or brokers, have the time or attention required to focus on the needs of what they think are a few unfortunate people. So until very recently, if your credit score was under 500, the only chance you had at refinancing or obtaining a home loan was if you went to a hard money lender.

If you’ve ever come across these individuals, you might not have been able to tell the difference between hard money or private mortgage lenders and a loan shark, and while that comparison is not entirely fair, it is to a certain extent accurate. Hard money lenders are small investors who lend only against the hard equity in your home, generally not more than 60% or 70% of the property value, the loans are generally short term, very high interest rate (12% to 15% or more), command huge upfront fees and closing costs, often up to 10% of the loan amount, and rarely if ever do they report your timely payments to your credit bureaus, making it harder to improve your credit. Why would anyone borrow money from a lender like this? In the past and even today, banks and other mortgage lenders have said no to sub 500 credit score mortgages or home loan refinances, and sometimes you just need the money that badly.

Many people have touted the benefits of credit repair services to prospective borrowers with scores under 500. The proposal often reads like this, first, give them a thousand dollars out of your pocket to fix your credit, which they will accomplish in six months, and then once your scores are over 500, they get a loan done for you. Of course never mind that $1,000 is a lot of money for most people with 700 credit scores, and very often a heck of a lot for an individual seeking a mortgage / refinance to consolidate debts. Add to that the fact that conventional credit repair takes too long for most people to wait without the extra cash to pay off bills that you get with a refinance, and you can see that credit repair by itself is not a very efficient proposition if what you really need is a refinance loan today. That’s not to say credit repair doesn’t work, it’s just that it doesn’t work very well for most people who are under 500 FICO seeking a debt consolidation, refinance or home purchase loan.

Over the years we’ve taken a harder look at the numbers, and it turns out that the banks and credit reporting agencies may have drastically underestimated the number of people in this country whose credit ratings are actually under 500 FICO. There are literally millions of people nationwide who fit into this category, and we have spoken with our share. What do we know? That most people with credit scores below 500 are hardworking, honest people whose credit is suffering from the realities of living and working in America today. As tight as our budgets are stretched in this country today, it only takes a very short term disability or unemployment to severely damage our credit scores. And some of us might have gotten in a little over our heads when we were younger, but in the years since we’ve been trying to get back on the road to good credit, and we’re sick of getting charged sky high interest rates every time we get a new credit card, apply for a car loan, or get denied for a bank loan and wind up calling on the aforementioned hard money / private mortgage lenders. We knew the banks had missed something. Our friends below 500 were not only more numerous than they had previously estimated, they were also more than some credit score, they were good people. Learn more about Fix and Flip Loans by visiting Loan Trust.

So we developed a strategy which we are sharing in the hopes that other borrowers under 500 can reap some of the benefits that our own clients have. We’ve helped borrowers with no money in the bank, $50,000 of bad debt, and sky high monthly payments driving them into the poor house get out of debt, get some money in their pockets and eventually achieve major financial improvement in a very short amount of time.

And how does it work? First, there are a few major, institutional lenders which have programs that allow us to arrange and refinance real mortgage loans at competitive interest rates for borrowers with credit scores under 500. These are real, federally and state regulated lenders, not private investor groups who will take your last dollar and send you on your way. Ask your mortgage broker about these programs, and if he doesn’t know what you’re talking about, get a new broker.

The typical strategy is a credit improvement strategy, where the goal is to take enough cash out of your home to pay off as many of your past due, high interest, or high payment debts as possible. We recommend taking a little extra cash from closing if possible, or to use some of the savings from your lower overall payments so that you can enter stage two of the strategy, which is third party credit repair. A good quality credit repair agency should cost less than 300 dollars overall and can clean up your credit and remove a lot of delinquencies and other items which are negatively impacting your credit. Combined with all the truly harmful items which you’ve paid off with your debt consolidation refinance, you should be able to improve your credit score by 50, 100 points or even more. I have seen a client go from a 485 FICO and $65K in combined credit card and auto loan debt and a total monthly payment of over $2800 to a 610 credit score and a payment of $1900 per month in less than 4 months. How did that payment get so low? Once their credit score went over 600, we were able to qualify them for a new mortgage at a low interest rate, because now our friends had good credit, and paid off the few remaining debts which they had by consolidating through refinance. Before the process, their average interest rate across all debts including home, cards and cars was nearly 22%, and afterwards, the average rate was under 9%.

We hope you find this information useful in reshaping your own financial future, and hope that you tune in for the next mortgage series of articles.

What Is SEO – Search Engine Optimization?

Search engine marketing relevant keywords translates to search engine ranking. Search Engine Optimization (SEO) means enhancing or improving a site to improve search results on search engines such as Microsoft. Search engine optimization has the purpose of increasing website visits to become customers if needed. This book aims to introduce a few key things:

How does SEO work?

You probably search Google for SEO or [seo?]. This guide has been indexed by SEO Land, a trusted website specializing in the subject of SEO with extensive experience since 2006. We cover everything related to SEO from the start. Originally published in 2010, we have received 324203-page visits. These factors help these guides get an excellent reputation in Google search engines and help them rank at the top for years. Its evidence indicates it can be trusted and is therefore worth being ranked in search engines for SEO.

Don’t neglect technical SEO

Technical SEO link building means the use of the site to ensure that search engine crawlers are able to quickly index your site. Content still has its place but if your website cannot be indexed then your efforts are wasted. In other words, it is important:

Include LSI keywords

LSI keywords refer to related phrases used by Google to find information about a page. However, these are more specialized phrases than synonyms that have very close links to their main keyword. LSI keywords are phrases used in social media and marketing campaigns. I’m convinced. You could use synonyms but you need the keyword LSI as well. It’s because search engines have grown.

Search Engine Land’s SEO resources

SEO Land has covered SEO since 2006. SEO Land also publishes articles from our staff that provide helpful SEO advice, techniques, trends, and analysis. You can get Search Engine Land’s weekly free e-newsletter for free with upcoming SEO news and insights each day. Search Engine Land also offers a variety of categories focusing on specific subjects.

And if you want to fully optimize your page for Google SEO, also implement these on-site SEO techniques

Use the keyword in the s1 and s2 subheadings. It will show Google that your page specializes in specific keywords. Optimizing images using keywords is not a huge problem. That would be useful. Add Internal Links. Internal links can be helpful when searching Google for pages that you have on your site (increase searchability). Bonus points if you embed keyword-rich content inside the link. Use synonyms or related terms to use different keywords for the page. Using variations such as kettlebell exercises and kettlebell movements will make your keywords easier to use. Write an attractive introductory text.

Accurately describe the page’s content

Choose titles that convey well the content and are clearly written. ‘

Google SEO Tools and Software

It is possible to learn SEO using specialized software. However, Google SEO is a major challenge. The following list is intended to aid SEO in the development of your website ( Keywords, backlink analysis software, etc. – How to find the right keywords?

Are backlinks important for SEO?

Yes. Backlinking helps in ranking high in the rankings. Links to other sites that are linked to your website indicate that the visitor finds your site interesting. You’ll be showing people that you know your niche. When you have authority websites linking back to your website this will increase domain authority. Backlinks are crucial to good search engine rankings and help show you have solid credibility.

Let Google see your page the same way a user does

Google should crawl a site like any user should. In order to optimize the rendering of a website, please always allow Google to see all JavaScript images, CSS, or other images that you use. If you have a website that does not accept crawling of this data it directly impacts your website’s ability to search. Often it can lead to suboptimal rankings. Recommended steps: Use URL inspection software. This will give you information about Google’s viewing and rendering of your content and it will aid you to identify and address some index problems.

Help Google find your content

How can a website get found on Google? If it’s possible, you could create a site plan. A sitemap is a page that tells Google what changes in your page. Learn the process of making your own website plan. The Web can be searched by linking to another page. How can I attract and motivate visitors to my website?

Add structured data markup

Structured data is code you put in a website for a search engine so it understands how it’s being displayed to them so it can be used by them in a more precise way. Search engines may use this knowledge to display the contents in a searchable way for the user. It is essentially the best way to get the best customers for your company. Having online stores and putting together individual product pages helps to make the website more accessible and understand the product information. We may display the information to users when we are searching for specific questions. This richness of data has been called.

Create a Google My Business Profile

Businesses can increase search visibility through their My Business Google account if they create a Google account on their website. In short, a Google account can give you more control over the way your business appears in the search results of the Google Maps application. Check to make your details accurate and complete. Relevance and prominence in Google searches play an important role. Your Google profile will automatically be found by comparing your profile to a target audience if your search results match.

How can you help search engines to crawl and index your website?

If your site has indexed or crawlable pages, it needs optimization for mobile and internal linking for search engine results. Make sure that your internal links are working. Another way to improve SEO is to check that the content is secure and uses only unique content.

Create a navigational page for users, a sitemap for search engines

Including simple navigational pages on every single webpage page titles (and dozens of important web pages) that are accessible by the user. Creating an xml sitemap file will help search engines find the newly accessed pages of your web page. Do NOT!

Analyzing your search performance

Google provides tools and information that allow websites to monitor and evaluate their performance in Google searches. Google uses this software to create a search engine. How do search engines find my site? How can a searcher improve their performance? Search Console won’t help your site receive more attention but can help you identify problems that can improve the performance. Microsoft Bing Webmaster Tools has a website owner tool.

Use brief, but descriptive <title> elements

The element can be brief or informative. Unless the document is too long or considered less important, Google can display only the text in the element, or an automatically generated link in a search engine. ‘Never.’

Format links so they’re easy to spot

Using this feature makes the navigation of your links easy and readable. Your site becomes less helpful if a user clicks on a link or misses it.

Cheap Timeshare Vacation Deals

Do you wish you could enjoy the vacation of a lifetime? Is your budget keeping you from finally getting away for awhile? Believe it or not, finding cheap vacation packages isn’t as impossible as it seems. Here are a few tips on what sort of vacation packages there are and how you can take advantage of them.
Choosing the right cheap vacation packages depends on variety of different factors. Your budget, of course, should certainly be considered, but some other things to keep in mind also include your location, any tourist attractions you’d like to attend. There are even cheap vacation packages that have certain themes, such as a Disney themed vacation, a ski trip, or an island vacation.  But the best vacation deals are timeshare promotions and you can visit www.timesharepresentationdeals.com to find the best vacation discounts for timeshares.

There are lots of benefits to using cheap vacation packages rather than purchasing everything separately. Not only do you save a considerable amount of money, but it saves you a lot of time and effort as well, especially if this is your first vacation. This way, you will never have to worry about whether or not you have adequate flight tickets, a good hotel room, meals, drinks, and other necessities?with cheap vacation packages, you can arrange for these all to be covered in advance, leaving you to relax and enjoy your vacation. Best of all, purchasing everything this way allows you to take advantage of a variety of deals and price cuts that allow you to spend a lot less than if you would have attempted to buy your tickets and book your room separately.

Cheap vacation packages also allow you to a variety of different options. If you only want a flight and a hotel room, that’s perfectly fine. You can also combine a flight with a car rental, a flight with a cruise, or simply grab a rental car and a room closer to home. The possibilities are endless!

When it comes to purchasing your cheap vacation packages, it’s a good idea to have an open mind regarding what you want to do and where you want to go. With so many locations, themes, and activities available, you’ll be hard pressed not to find something you won’t absolutely enjoy. With this in mind, it’s a good idea to try and be flexible regarding your ideas. This will make your search much easier in the long run. Purchasing vacation packages early is another wise choice. While there are a variety of last minute deals, this is typically not a good way to get your vacation package, as there is far too much risk involved. Establishing everything earlier also gives you more time to focus on more pleasant planning, such as your activities, restaurants, and more. Learn more today!